Despite a policy against selling products that promote hatred, the retail giant’s online store as well as its publishing, music-streaming and Web services platforms facilitate the spread of racist ideology, according to a new report.

Not only can it be more expensive for black and brown consumers to obtain home and car loans, but also it can cost them substantially more for services as basic as opening and maintaining a checking account.

Howard Schultz said the company would now open its bathrooms to everyone, regardless of whether a purchase has been made, following the arrest of two African American men who had asked to use the bathroom at a downtown Philadelphia coffee shop.